debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!


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7 Financial Lessons Learned from My Parents’ Debt

I am very happy to have a guest post from one of my blogging friends, Erin from Journey to Saving.  I’ve mentioned before about how I worried about the impact that our financial bad habits have had on our kids.  Erin shares her story about this below.

financial-lessons-learnedI am no stranger to debt. While I have only personally experienced student loan debt, consumer debt came knocking on my family’s door decades ago, and nearly destroyed us.

Debs is very open in sharing her mistakes and experiences when it comes to debt and her own family, so that others can learn from her. It’s for that reason I only thought it fitting to share my own story here, with all of you, along with some of the lessons I’ve learned from my parents’ debt.

Debt is a common enemy of ours, and even though it brings dark and trying days, I’ve been able to get a few things out of it after starting on my own financial journey. After reading this post, I hope you’ll be able to as well.

The Beginning

It all started when I was 7. My dad had been laid off. I suddenly began hearing the word “No” much more often, accompanied by frustration at the predicament we found ourselves in.

My 7-year-old brain didn’t comprehend this as I can now, but I knew enough to be scared. What will this mean for us? I often wondered, especially after hearing my parents speak in hushed tones.

Bits and pieces made their way to my ears: losing home, can’t afford, might not recover, and can’t keep this up, were just a few phrases that clued me in to what was happening.

The real warning sign was that my lovely grandma was showing up at our house more often, always with food and household products in tow. It was as if we didn’t have to go grocery shopping anymore!

My childhood self was more than a little naive, thinking my grandma was stopping by just to spoil me with goodies. While that was part of the visit, something deeper was going on, as I saw her attempt to hand my mom cash several times. My mom usually refused.

Thankfully, my family recovered in about two years. My dad worked part-time until he found a full-time position, which put us in a better place. On top of that, my mom began to work full-time once I turned 13.

We went on our merry way, and I was none the wiser to the increasing pile of bills that would slowly bury us in several years.

Fool me once, shame on you. Fool me twice, shame on me.

financial-lessons-learnedIt was only at Christmastime that I was told money might be a little tight, but my parents always managed to get me what I wanted most. I never truly knew just how bad of a state we were in, until my dad lost his job again, this time, while I was in college. This time, I knew what was going on, and I wanted to run.

My parents had never gotten their financial act together. They had never saved, and they still hadn’t paid off their debt. I was angry at them. Why hadn’t they learned from their mistakes the first time around? Was I the only one that remembered those times? I didn’t know how they let history repeat itself.

What’s worse, my mom became resentful toward my dad. Without his income, we were relying solely on her income, which was only half of what my dad made. I should say that my parents were never extremely high-earners, so while we kept a mostly frugal lifestyle, losing my dad’s income was a huge blow that we never recovered from for many reasons.

My parents have always been prideful and unwilling to take “handouts.” As such, my mom shouldered the burden of making ends meet by herself, even when I offered to help. Likewise, Debs is the primary breadwinner in her family, and I know it’s not easy at all. There are plenty of mom’s out there who are shouldering this burden, and doing an amazing job of it. While it can be a thankless job, your children will grow up to appreciate and respect you for it.

To say this was a difficult time would be an understatement. I can’t even begin to tell you all how happy I was when we finally got through it. There were times I doubted we would. I took mental notes through everything, because I knew I never wanted to go through that again.

I wanted to make sure I could safeguard myself against debt. Student loan debt had been different in my mind, so I sadly didn’t avoid that, but you can bet I won’t take on any consumer debt after what I’ve seen it do. For that reason, I’d like to impart to you the financial lessons I learned from watching my parents suffer with their debt.

7 Financial Lessons Learned from My Parents’ Debt

  1. Save, budget, and track spending. Keep an emergency fund. Please. It kills me to know my parents would have been fine had they actually taken the time to save money. Because they didn’t have anything to fall back on, any unexpected expenses would go straight on the credit cards. It was a vicious cycle they were unable to break out of. My parents also thought they had a good hold on things, but I guarantee that a budget or spending sheet would have opened their eyes.
  2. Communicate. According to my parents, there was a bit of miscommunication going on. My dad believed that they were paying the cards off in full every month, when in reality, they were paying the minimums. This was because my mom balanced the checkbook and paid all the bills. I know Debs has mentioned a few times that she didn’t realize how bad things were because her husband was doing the same. Even though I handle all of our finances, I always keep my boyfriend in the loop. Your other half needs to be included.
  3. Perseverance pays off. I want to inject a little happiness into this post! I’m glad to say that my parents fought the battle and won, in their own way. They are still in debt, but they were able to retire and move to a place that is much more affordable. They purchased their house outright and no longer worry about a mortgage. With the sale of their old house, they were able to put a large chunk toward their consumer debt, and they now have a good buffer in their bank account should they need it.
  4. There’s more to life than possessions. Having a little less than my peers made me realize early on that there’s simply more to life than having the newest gadgets, prettiest clothes, trendiest accessories, etc. My parents never purchased name-brand anything, and they always shopped frugally. They’re both deal-finders. I got a hand-me-down car (from my grandma to my mom, then to me) and only replaced it once it was unreliable to drive. Even though it was a funky teal color, I didn’t have to pay for it, and that made it valuable.
  5. Experiences matter. I’m an only child, and many of my memories growing up involve my parents. None of these memories revolve around things, though. Yes, I can remember the gifts they’ve given me over the years, but what matters most to me now is spending time with them. No one lives forever. So the next time you feel pressured into buying something for your children, remember that prioritizing experiences is the way to go. They will thank you for it some day. Remember to enjoy the little things life has to offer.
  6. Keeping up with the Joneses? Nah. I never got the sense that my parents were trying to keep up with anyone, even though there were plenty of people around us that were clearly questioning our priorities. They were never phased by it. Sure, it’s a little sad to see people from college “living the life,” (or so they want us to believe?), but I’m happy where I am. I have a great boyfriend, two adorable cats, and supportive friends and family.
  7. Don’t give up hope. This has to be the most important lesson I’ve learned. My parents went through a lot in a short span of time, twice. Yet, they’re still together. They pulled through. And I turned out fine. Looking at my student loan balance can make me feel hopeless at times, but I know I’ll reach a $0 balance someday. Being in debt has taught me things I never would have discovered about myself, and for that, I am thankful.

 

financial-lessons-learnedI want to close this out by saying that things could have been much, much worse. Compared to some people, my family had it easy. I am very grateful that my grandma was there to help us through everything, because I’m not sure we would have survived without her generosity.

Don’t let debt take away from you any more than it already has. I know it can be soul-sucking, and that the journey is a long one, but you’ll make it through if you choose to fight. And I know you want to, otherwise you wouldn’t be here!

What are some of the lessons that debt has taught you? Did you grow up around debt? How has it affected you?

erinmauthorpicErin M. is a full-time personal finance freelance blogger and virtual assistant. She’s passionate about helping other millennials get started on their financial journey. She blogs about frugality, being happy with less, and tackling student loan debt on Journey to Saving.

 

PART OF

brokeGIRLrich


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Thoughts on Suicide

I never thought the day would come when I would write about this. In fact, I immediately dismissed the idea when it popped into my head.

But here it is staring many, many of us down, like a big festering pimple.

The ‘S’ word.

We have all been touched by the loss of Robin Williams. His uniqueness, his notoriety, his talent, his presence, his diversity, his accents and his laugh will be missed. No doubt his family will miss so much more. Most that only knew him as a celebrity, may have heard of struggles with alcohol and drugs. I had not heard about his depression. But in retrospect, it makes sense.   Issues with any addictions are usually about trying to cope with something like this.

It’s been many years, but I know the darkness and pain in the world of people who face this disease.

I was in my late twenties. My self esteem was in the toilet in the middle of difficult relationship. I felt unloved, unworthy, untalented and just really sad. There was lots of alcohol and risk taking during this period. Then the pain began. Then I started fantasizing about a pain free state. I thought about the hows. I thought about the sadness I would cause my family. I couldn’t bear it, but still the pain persisted.

I soldiered on, I continued to manage to work and I started psychological counseling. I was pretty together when I first met my psychologist but she did some testing on me to evaluate the depth of my depression. That was very appropriate for her to do because I was faking a lot without even realizing it.

As soon as she got the results, she was flabbergasted and went into full damage control, setting up a suicide pact with me. If I ever wanted to do something, I promised her that I would call her first.   She prodded me and needled me on this like a mother bear manages her cub. I barely knew this older Jewish lady, yet I felt comforted that she seemed to know her stuff and was very concerned about me. Someone knew the depth of my secret and that was the first step in opening a tiny crack in my darkness to let the light in. I would learn later the importance of the connection between counselor and patient when I went for therapy at other points in my life. Since she was my first, I didn’t know how good she was, but would find out later with other therapists. [Take away: If one doesn’t click, find another]

The drinking continued and so did the bad thoughts. I thought about accidents, how I could stage them. Jumping off a chair lift, driving into a wall. It scared the $#!+ out of me, but yet I still kept thinking. The pain persisted and I found some relief at the butt of a burning cigarette put into my arm, for which I still bear the scar today. The bad thoughts had jumped out of my head and were now evidenced in physical terms on my body.  I could not deny it any longer. The physical injury and reality of this act was enough for me to say, man I’m <#(%ed up. I guess it was my rock bottom, because I knew if I continued this way, I would be self-harming a lot because it brought great relief. I sought that crack of light and continued to practice my coping strategies which then started having some impact. Once I started moving up instead of down, things moved quite quickly, but like a scuba diver going to the surface, my psychologist didn’t want me to surface too soon in case my recovery was premature and then I would relapse.

This was my worst depression. I was brought out of it without the use of drugs but strictly with very good cognitive behavioural therapy. That’s the best treatment for me. I have been quite low since, with some thoughts but not to the same extent. I’ve also used medication during some periods of depression which helped quite a bit. I’ve been medication and therapy free for five years, but it doesn’t mean I still don’t have some lows. I don’t rule out that I may need either type of treatment again. You just never know. My mental well being is heavily influenced by my life circumstances.

I was thinking that maturity and experience has shown me that eventually I can bounce back so I just have to ride out the storm. But then I look at Robin Williams and wonder if he had never learned that he could ride out the storm. His storm must have been much worse, because from where I sit, I would think he had smooth sailing.  He certainly would not have had any financial worries, could he?  It has taken me a number of months to process feelings about a former colleague who ended her life earlier this year. She was the same age as me, had two grandchildren, beautiful home and seemed to be sailing into the sunset.  I did not see that coming. Not only is it incredibly sad but It scares me as well.   It seemed like she had been able to go even further in her life compared to mine.  Don’t compare.  A young indirect subordinate in her early twenties ended her life when she worked in my team back in the 90’s. She was vivacious and beautiful. I felt incredible guilt that I did not see that coming either. My daughter lost a friend in high school, the daughter of our neighbour.

I’m not even going to mention the number of attempted suicides of people I know or are very close to.  I am just so thankful they have a chance to dance again. Like my cigarette butt scar reminds me, it’s possible to be happy and laugh again.

I recommend some related reads on this topic from other PF blogs:

Depression and Christianity and Student Loans by Kirsten @ Indebted and In Debt

Oh Captain, My Captain by Tanya @ Eat, Laugh, Purr

What has your experience been with suicide or mental illness in your life?
Do you think it’s possible that if you are exposed to suicide a lot it makes you stronger, or more vulnerable or neither?
What was your favourite Robin Williams role or movie?

Part of Friday Jet Fuel #6 and

Messy Money


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25 Year Anniversary – What’s in a number?

Well, we reached a milestone yesterday.  25 year anniversary of marriage.

What’s in a number?  It depends on what you are looking at.  If you are married a long time but there is no quality, how much is that worth?

On the one hand, I’m feeling a little guilty about the lack of fanfare we did to celebrate this occasion.  On the other hand, one day does not a marriage make.

We did stay an extra night at Dad’s cottage, coming back early yesterday morning, but we forgot to toast and drink the champagne we bought on Monday night.  We’ll save it … but not for too long.  $13.95 spent but deferred.

I was surprised and happy to find this in my front hall this morning.
25-year-anniversary

No, it’s not an anniversary present.  We’ve been talking about getting one for a few months, but just didn’t manage to get out to make the purchase.  The Irishman was in the vicinity of a store that we had a store credit with and so he bought it.  Cost $14.95 but $0.00 for us today and value, immeasurable.  I’ve been wanting this to save on laundry costs, and yes, I can calculate the savings down the road.  But for right now, it’s not even the most important thing.  It’s the fact that he did go a bit out of his way and get me something I really wanted that will help us.  It really is the small things that matter.

I’m off for the week, with big plans to get a number of things accomplished around the house.  We are 50% through the week so far and I’ve accomplished a bit fat “0” on this list.  On the other hand, I spent yesterday with Monkey Butt while he worked.  Today, said Monkey, came over for a swim and Grandpa turned on the pool heater for the occasion.  Money spent – $10, value received – priceless.

My sister texted me to see if I would go with her for a pedicure.  Sure my toe nail polish is 67% effaced, but my nails are trimmed and heels polished thanks to a husband who likes to give me ‘foot’ jobs.  $42 saved until next time.

There’s 140 days until Christmas, but who’s counting?  As long as we’re still on this earth together to celebrate with family around, I’ll be happy.  Life is precious.   But I won’t worry about tomorrow.  I’m doing the what feels right for today, and that’s all that matters.

I had the pleasure of meeting a fellow blogger for coffee yesterday.  Almost 150 minutes spent in great discussion.  It felt like 45.  1 blogger I’ve met in real life.  Countless others I haven’t but still call friends.

6 shout outs to those who shared my posts recently:  Shannon @ Financially Blonde (hope she’s having a good vacation!),  Kipp @ Frankly Frugal Finance  and Edwin @ Cash Syndrome  and Stack the Chips (some new blogs I’ve recently discovered), Raquel at Practical Cents (great home owner advice) and J. Money @ Rockstar Finance (don’t know what made my day more, the 391 views I received that day or the fact that he labelled my post as funny!)

So you see, life is filled with silver linings.   Here’s to 25 more years!

25-year-anniversary

Part of Friday Jet Fuel #5 and

Debt Discipline


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Migrate WordPress.com to Self Hosted – The Live Version

HELP-migrate-wordpress.com-to-self-hostedLive Blogging of what I have learned to Migrate WordPress.com to Self Hosted WordPress.org

This is an impromptu LIVE post, even though I do normally post Saturdays, but this week I did my Sat post early (like on Thursday night) because I was just dying to tell y’all about my experience moving from WordPress.com hosted site WordPress.org self-hosted.

I have a new issue that I think is worth blogging about, because I need your support to help me figure this out. Plus I think since I have this question, this may be helpful to others facing the same issue as well.

My permalink settings are now set at this.  I didn’t choose it because I had heard that it is important to have your post titles as close to the site title as possible.  I think my hosting company did this when they imported the site to correct all the errors.

wordpress-permalinks-migrate-wordpress.com-to-self-hosted

So for example, this post has url of:

http://debtdebs.com/2014/07/05/migration-to-self-hosted-follow-up

But I want it to have:

http://debtdebs.com/migration-to-self-hosted-follow-up

I want to change my links to have no date at all in them.  How do I do this without breaking the links to other sites?

I’ve been tweeting with some blog friends about this and they are giving me some tips!  Thanks @debtfreeoneday (Hayley) @Ugifter (Anne) @MoreThanJusMony (Kassandra) @indebtedmom (Kirsten)@FinDiffraction (Alicia) sent me this link which I’m researching because she said there is a plug-in for redirecting (Thanks!):

http://wordpress.org/plugins/quick-pagepost-redirect-plugin/

I am researching this now.  This is going to be a live post, where I make updates as I go about troubleshooting this problem.  When I am completely done, I will write POST COMPLETE or some obvious thing at the bottom.

I really appreciate my blogger friends who kindly offer suggestions and support on this.  If you have done this before or know someone who has, can you kindly point them in my direction?

I’ve also reached out to Justin @ BigScoots to see what they recommend.

@bigcajunman (Alan) sent me this http://urbangiraffe.com/plugins/redirection/ which I’m just researching as well.  Thank you!

@indebtedmom (Kirsten) sent me this http://www.rickbeckman.org/how-to-update-your-wordpress-permalinks-without-causing-link-rot/ Thanks!  [Note:  This actually is similar to what Yoast says below but the code is a little different and I don’t know why.  Here is the code he says but this article is from 2008. ]

RedirectMatch permanent ^/[0-9]{4}/[0-9]{2}/[0-9]{2}/([a-z0-9\-/]+) http://example.com/$1

@femmefrugality suggested another blogger who might be able to give advice @modestmoney (Jeremy)

UPDATE:  2:04 p.m. EST July 5

OK I found this and although it is over 2 years old it seemed like the best way to go.  How to Change WordPress Permalinks, brought to you by Yoast.

According to the code generator linked in the above post, it says I should do the following:

Create Redirects

Use this tool to generate redirects from your old permalink structure to the /%postname%/ permalink structure.

Your Redirects

Add the following redirect to the the top of your .htaccess file:

RedirectMatch 301 ^/([0-9]{4})/([0-9]{2})/([0-9]{2})/(.*)$ http://debtdebs.com/$4

So first I had to find the .htaccess file.  I found it in my cPanel > File Directory under public_html but I needed to “SHOW HIDDEN FILES”.
public_html

Note:  Some hosts may not let you modify the file so you may have to request them to do it.  I was able to modify but what I wasn’t clear about was where to put the code.  True enough, @YOAST said to put it directly at the top but since I didn’t really understand it, it didn’t seem logical.  Comments were closed on that post above, so while I was still googling and Youtubeing for my answer, I sent a Tweet to @YOAST (Joost de Valk).  Here’s what the code generator looks like from Yoast, BTW:

YOAST-permalink-code-generatorDidn’t hear back from him yet ;-) ha ha but in the meantime @SenseofCents (Michelle) responded to my tweet for help and she linked in @nutsandbolts (Andrea).  Andrea confirmed that was the best way to go (not use plug-in) that I do literally put that one line of code at the top of the .htaccess file AND that I should change my Settings>Permalinks setting to the desired setting first.  Here’s what the .htaccess file looked like after my update.  (Don’t forget to “Save Changes”!)

how-to-modify.htaccess-file-redirect

I did it and it all worked perfectly and was so overjoyed I tweeted:

Let me know if you see any issues with broken links. I’m not taking my construction guy down yet because I want to update you on Gotcha #8 from my last post so here is a placeholder for it.
 

Thanks again to Alicia, Anne, Hayley, Kassandra, Kirsten, Alan, FF, Michelle and Andrea!  You guys ROCK!

Gotcha#8 UPDATE – how to switch my Jetpack to my old WordPress.com account and then get my previous WordPress.com subscribers over here.  OPEN

Here are the open tickets I have on this point:

WordPress.com  http://en.forums.wordpress.com/topic/migration-of-followers-jetpack-blues?replies=3#post-1930285

wordpress.org http://wordpress.org/support/topic/activated-jetpack-with-wrong-username-on-self-hosted-site?replies=1#post-5754664

I have one with Jetpack also but they do not have a forum, so it’s just through email that I get a response.  I raised the ticket here.  http://jetpack.me/support/

OK, I got a little impatient and disconnected my Jetpack and reconnected.  It now seems to have brought my stats together but on two different views.  Is this normal?  Anyone?

migrate-wordpress.com-to-self-hosted

So continuing with my impatience, I managed to get my Jetpack connected okay with my old blog, but when I hit the migrate button on wordpress, nothing happens.  I do not get the confirmation pop-up as shown in this write-up.  http://jetpack.me/support/subscription-migration-tool/

migrating-followers-to-wordpress.org-migrate-wordpress.com-to-self-hosted

UPDATE:  1:39 p.m. EST July 7

Subscribers were migrated over manually as of 11:50 a.m. EST today, thanks to Rachel at WordPress.com.  Waving  “Hi, guys!  Did ya miss me?” ;-)

I’m taking the construction guys sign down now.   Whew, that feels good.  This LIVE blog post has now ENDED!

New Item – MALWARE

Hey, this is relevant to this post.  Eric from No Nonsense Landlord had commented and I hadn’t had time to visit him lately, with all that was going on over here so I went to his site and he had a shout out to me.   Not only that but he alerted to a problem he had when his blog was only a month old.  So I went to check out his post on malware and have installed Wordfence and it is scanning now.   Oh good.  No problems found.  Thanks, Eric!

On this topic, I was looking at my stats this morning and I saw the following referrer:

cdn.viglink.com/api/click?key=a7e…..

I clicked on it.  (Maybe I shouldn’t have) finding nothing I went about googling it to try to find out more.  Didn’t find anything I could readily understand so need to research some more.

Does anyone know what that is?  Sometimes I just feel so technically inept with this stuff.  Get one thing addressed and another pops up!

I think I saw cdn.viglink on another blog .  I need to investigate but I think it has something to do with advertising management, so hopefully not malware related.  :-)


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Canada Day – Be Mindful and Be Brave

Canada-Day-Long-Weekend-mindfulCanada Day isn’t until Tuesday July 1st, but basically this is the CANADA DAY long weekend, with many people extending their weekend if possible.

Happy Canada Day to all my Canadian friends.

I am very fortunate to be able to go to my Dad’s cottage for the weekend, meet up with extended family and kick back and relax.

In the spirit of winding down and reflecting, I’m not going to inundate you with lots of frugal tips or financial updates, even though it is the end of the month.

In fact, what I was going to write about will just make this post entirely too long, and I want to vary it up a bit after Brian so aptly pointed out that I rock write a long post!

I’ll save that for another time and just share a few personal tidbits with you.

Be Mindful

Natalie @ Debt and the Girl wrote about The Dangers of Black and White Thinking which I found quite interesting because I’ve always been a black and white girl.  I always labeled every situation as either bad or good, without even realizing I’m doing it.  Shades of grey has never come naturally for me.  I don’t know why, and I’m incredibly interested in human psychology, so would love to understand it a bit more.  Some discussion in the comments about whether this way of thinking comes from life’s experiences or not.  I don’t know and I’ll probably never find out, but it is quite fascinating.

But what I want to say about that is, you can change the way you think by being mindful as Budget Bloggess discusses in Distracted from Spending: Summer Weekends.  I wouldn’t have really had believed before, but I’m halfway through my second reading of The Power of Now and now understand this phenomenon better and practice it in my everyday life.

It makes it easy to log-off from work at the end of the day, knowing that the pile of work will still be there tomorrow and all I can do is prioritize and continue doing my best.   It makes it easy to make a fast decision to stop working for a bit because my grandson has dropped in unexpectedly and I won’t trade those interactions for anything.  It makes it easy to not bear guilt about what I may not be able to do for a family member or friend but feel joy when I can.  Life can be short, so we have to approach it in an inspired and mindful YOLO fashion, but not a reckless and irresponsible way.

If you want more writings that touch on this topic, check out:

How Being Humble Helps Us to LIve a Happier Life from Hayley @ A Disease Called Debt

The Power of Mindfulness from Stefanie, Staff Writer @ Prairie Eco-Thrifter

… and While Being Mindful … Be Brave

Yesterday I was babysitting my grandson for the evening while his folks attended a wedding rehearsal and dinner.  In the true spirit of mindfulness, I was savoring every moment.  We played on the floor with his toys, turned on Disney channel for a few minutes (don’t tell Mom), I fed him (or tried to feed him, he wasn’t hungry as he had a late lunch and was breastfed by his Mom just before she left), took him for his bath and brushed his teeth.  By that time my husband had arrived to lend a helping hand so we did jolly jumper time, then stories, some bottled breastmilk (which he drank half of surprisingly, we haven’t had much luck with that  before) and bed.  He ‘fake’ cried for a bit doing his usual rocking and banging his foot on the mattress (I was watching closely on the monitor) and eventually went off to do-do land.

I was in such a state of joy and yet it was typically a very sad day for me.   Nine years ago yesterday, my Mum passed away suddenly and unexpectedly, alone at home from heart failure.  My father found her, when he returned home from a day at the cottage with my husband and brothers-in-law.  He found her in her bed with her tea cup partially drunk and her crossword puzzle and pen still in her hand.   My parents had been at our house the evening prior and we had a wonderful impromptu dinner, my children were all in attendance (which in itself was unusual given the age they were and all their comings and going), one of my sisters/BIL and a niece and a nephew.  Another sister/BIL had spent a similarly meaningful evening with her the night before.   Looking back, those experiences seem like they were a foreshadowing of what was to come.

I found something really fascinating yesterday, while I was feeding my grandson.  He became mesmerized with my ring on my hand which is a diamond solitaire ring belonging to my Mum.  He was pushing it around my finger, over and over again for a very long time considering he is an eight month old.  It felt like Mum was there with us in the room, just the three of us.  I became even more mindful at that moment.  It was pure peace and happiness.

I can’t remember if this little episode happened before or after the ring pushing incident, but here he is, after spitting out most of what I put in his mouth, but entirely fascinated by his Nama singing Brave to him*.

*Click here to view directly on YouTube

A Few Callouts

I would like to thank MrCBB @ Canadian Budget Binder for linking to my recent Top Ten in his Friday post – Should The Brick honour this customers claim on her extended warranty? : PF Weekly Grab a brew #78

I am very humbled to be nominated by Josh Rodriguez for the CNA Finance Personal Finance MVP Award! over at CNA Finance.  I’m in very highly esteemed company with David Carlson from Young Adult Money and Laurie from The Frugal Farmer.  Big congratulations to Will Lipovsky at First Quarter Finance for winning the first award!!  You can vote by leaving a comment in the post or send an email to CNAFinanceHelp@gmail.com!

We’re minding my grandson again tomorrow and then out of internet range for a few days.  Good weekend and good finances all!
Debt Debs out.

  • I have it on my tablet and play it for him, along with Happy and Under the Sea (The Little Mermaid).

P.S.  Man I still can’t write a short post!

brokeGIRLrich
This post is part of #FinSavSat blog hop.
Click on the picture above and join in!


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:-( Random Ramblings :-)

We haven’t made a decision yet on our spending dilemma.  I really appreciate the feedback I’ve been getting BTW.  I think we will decide this weekend.  We keep waffling between going and not going with our last position being to forgo.

But …

I got some shocking news yesterday.  Continue reading